A n a l y s t M e e t i n g A n a l y s t M e - PowerPoint PPT Presentation

A n a l y s t M e e t i n g A n a l y s t M e e t i n g P r e s e n t a t i o n M a t e r i a l P r e s e n t a t i o n M a t e r i a l M a y 2 7 , 2 0 0 9 C h u o M i t s u i T r u s t G r o u p

Agenda Ⅰ .Status of Profit Ⅱ .Status of Assets Ⅲ .Strategic Business Operations Ⅳ .Status of Capital *CMTH: Chuo Mitsui Trust Holdings *CMTB: Chuo Mitsui Trust and Banking *CMAB: Chuo Mitsui Asset Trust and Banking 1

Ⅰ . S t a t u s o f P r o f i t ・ F i n a n c i a l S u m m a r y ・ F a c t o r s f o r I n c r e a s e / D e c r e a s e i n G r o s s O p e r a t i n g P r o f i t ・ E x p e n s e S i t u a t i o n ・ F a c t o r s f o r I n c r e a s e / D e c r e a s e i n N e t I n c o m e ・ R e c o m p o s i t i o n o f R e v e n u e S t r u c t u r e ・ M a n a g e m e n t D i r e c t i o n f o r F Y 3 / 1 0 ・ O u t l o o k f o r F Y 3 / 1 0 ・ G r o s s O p e r a t i n g P r o f i t b y B u s i n e s s U n i t 2

Financial Summary F Y 3 / 0 9 H i g h l i g h t s a b c:b-a (Yen bn) Actual CMTB+CMAB, non-consolidated FY3/08 FY3/09 Change % Gross operating profit *1 265.2 228.7 (36.5) (14)% （ minus ） 110.8 115.9 5.0 5% Operating expenses [Net periodic retirement [(7.7)] [(0.4)] [7.2] （ minus ） benefit cost] Pre-provision profit *2 154.4 112.8 (41.5) (27)% (27.5) (226.6) (199.0) Net other profit (loss) and other [(7.4)] [(69.7)] [(62.3)] [Losses on devaluation of stocks] [-] [(113.3)] [(113.3)] [Losses on sales of Japanese stock related investments] 126.8 (113.8) (240.6) Ordinary profit 8.1 7.7 (0.3) Extraordinary profit （ minus ） 53.0 (26.0) (79.1) Current and Deferred income taxes 81.9 (79.9) (161.9) Net income （ minus ） 9.5 21.2 11.7 Credit Costs CMTH, consolidated FY3/08 FY3/09 Change 125.3 (116.9) (242.2) Ordinary profit 71.8 (92.0) (163.8) Net income 7.00yen 5.00yen Dividends per share: Common stocks *1 B e f o r e t r u s t a / c c r e d i t c o s t s *2 E f f e c t i v e n e t o p e r a t i n g p r o f i t b e f o r e t r u s t a / c c r e d i t c o s t s & p r o v i s i o n ( r e v e r s a l ) o f g e n e r a l r e s e r v e 3

Factors for Increase/Decrease in Gross Operating Profit F Y 3 / 0 9 G r o s s o p e r a t i n g p r o f i t d e c r e a s e d b y J P Y 3 6 . 5 b n Y o Y , m a i n l y d u e t o t h e d e c l i n e i n f e e i n c o m e f r o m I n v e s t m e n t t r u s t , A n n u i t y i n s u r a n c e a n d R e a l e s t a t e a s a r e s u l t o f t h e f i n a n c i a l m a r k e t t u r m o i l . Factors for Increase/Decrease in Gross Operating Profit (CMTB+CMAB, non-consolidated) （ Y e n b n ） Conventional Banking Businesses Strategic Businesses Priority Segments Bond investments, etc. Corporate 5.5 Increase factor loans, etc. (15.3) 5.4 0.5 Decrease factor (17.7) Loans to individuals (36.5) (12.0) Investment trust & 265.2 Annuity insurance Real estate (2.9) Alternative investments Others 228.7 (including disposing loss of CDO (2.7)) FY3/08 FY3/09 4

Expense Situation O p e r a t i n g E x p e n s e s O p e r a t i n g e x p e n s e s O H R P o l i c y o f r e s t r a i n i n g t o t a l a m o u n t o f o p e r a t i n g e x p e n s e s O H R i n c r e a s e d Y o Y , m a i n l y d u e t o t h e d e c r e a s e ⇒E x c l u d i n g t h e i n c r e a s e i n r e t i r e m e n t b e n e f i t c o s t , i n g r o s s o p e r a t i n g p r o f i t o p e r a t i n g e x p e n s e r e m a i n e d a l m o s t f l a t T r e n d o f O p e r a t i n g E x p e n s e s T r e n d o f O H R * （ C M T B + C M A B , n o n - c o n s o l i d a t e d ） （ C M T B + C M A B , n o n - c o n s o l i d a t e d ） T a x N o n - P e r s o n n e l ( % ) P e r s o n n e l ( e x c l u d i n g n e t r e t i r e m e n t b e n e f i t c o s t ) ( Y e n b n ) 6 0 . 0 % 5 0 . 8 % 1 1 8 . 5 1 1 6 . 4 1 1 5 . 3 1 2 0 5 . 5 4 . 6 4 . 6 4 4 . 7 % 4 1 . 9 % 4 0 . 0 % 6 1 . 1 5 9 . 2 8 0 6 3 . 2 2 0 . 0 % 4 0 5 1 . 8 5 2 . 5 4 7 . 4 0 . 0 % 0 F Y 3 / 0 7 F Y 3 / 0 8 F Y 3 / 0 9 F Y 3 / 0 7 F Y 3 / 0 8 F Y 3 / 0 9 *operating expenses （ excluding net retirement benefit cost ） / gross operating profit 5

Factors for Increase/Decrease in Net Income F Y 3 / 0 9 N e t i n c o m e d e c r e a s e d b y J P Y 1 6 1 . 9 b n Y o Y , m a i n l y d u e t o t h e d e c r e a s e i n g r o s s o p e r a t i n g p r o f i t , l o s s e s o n s t o c k s d e v a l u a t i o n a n d l o s s e s o n s a l e s o f J a p a n e s e s t o c k r e l a t e d i n v e s t m e n t s . Factors for Increase/Decrease in Net Income （ CMTB+CMAB, non-consolidated ） （ Y en bn ） (36.5) (5.0) D ecrease factor 81.9 Increase factor (62.3) G ross operating profit (161.9) (79.9) O perating expense (including N et periodic retirem ent benfit costs (7.2)) (113.3) Losses on stock devaluation 67.0 799 (11.7) Losses on Credit costs O thers sales of stock related investm ent FY 3/08 FY 3/09 6

Recomposition of Revenue Structure Recomposition of Revenue Structure B r e a k d o w n o f g r o s s o p e r a t i n g p r o f i t b y b u s i n e s s s e g m e n t ( C M T B + C M A B , n o n - c o n s o l i d a t e d ) C o n v e n t i o n a l B a n k i n g B u s i n e s s e s B a B n ●C o r p o r a t e l o a n s , e t c . u 1 5 % k 1 6 % s i 1 9 % n i 2 3 % n g ●B o n d i n v e s t m e n t s , e t c . e r s e s l e a 9 % s t S t r a t e g i c B u s i n e s s e s e 1 3 % d 1 7 % ● L o a n s t o i n d i v i d u a l s 1 3 % B 1 5 % ●R e a l e s t a t e a s s e t f i n a n c e a B 4 % n u k s i 4 0 % n i ●A l t e r n a t i v e i n v e s t m e n t s n g 9 % 4 % 2 0 % e r s 4 % e s 2 % l ●O t h e r b a n k i n g r e l a t e d e a 2 % s t e b u s i n e s s e s 5 % d 1 6 % △1 % 2 % 1 7 % 7 1 % 7 6 % ● I n v e s t m e n t t r u s t 1 1 % 1 3 % 6 4 % & A n n u i t y i n s u r a n c e A 2 % 1 4 % s 2 % 1 2 % s ● R e a l e s t a t e 6 % e B 3 % t u M 3 7 % s i 9 % n a 1 1 % ●P e n s i o n 1 0 % 1 0 % e n s a s g 5 % e e 5 % 6 % ●S t o c k t r a n s f e r a g e n c y s m 5 % 5 % e 3 % 2 % 2 % n t ●O t h e r a s s e t m a n a g e m e n t F Y 3 / 0 3 F Y 3 / 0 7 F Y 3 / 0 8 F Y 3 / 0 9 Sum of loans to b u s i n e s s e s individuals, investment trust & annuity insurance, and real estate ４ 3 ％ １ ６ ％ ４ ４ ％ 3 9 ％ 7